Vacant Property
Properties rarely stay occupied from start to finish. Whether your client is buying their next home, selling, renovating, or between tenants, periods of vacancy happen.
That’s when things can become more complicated.
A vacant property is often more exposed to theft, vandalism, fire, lightning and escape of water.
At the same time, many standard homeowners’ policies may reduce or remove cover once a property has been vacant for a certain period, leaving gaps where certainty is needed most.
We get it. These are the risks that can take more time, more questions and more market knowledge to place.
AU Gold helps you find cover for vacant properties that sit outside the standard approach.
Through our online platform, you can access flexible cover designed around the risk in front of you, backed by underwriting expertise built over decades.
From flexible policy terms to properties undergoing cosmetic renovations, we make complex placements feel brilliantly simple.
Vacant Property Package Overview
Flexible policy options with theft and vandalism cover available, protection for building materials, cosmetic renovations and deductibles from $1,000.
Package policies DP1/DP3 and Basic/Special Forms
Theft coverage with DP3 and Special policy forms available
Theft of building materials with a $10K sublimit available
Vandalism and Malicious Mischief coverage available
Cosmetic renovation projects allowed if the value of the project does not exceed 50% of the building value
Additional Insureds coverage added at no cost
Policy term options: 3, 6, 9 and 12 months available
Deductibles as low as $1,000
Types of Properties Insured
- Single-Family Homes
- Apartments
- Condominiums
- Commercial Buildings
- Package Mixed-Use Buildings
Footprint and financial strength
- 50 States
- “A” AM Best Rating
- Lloyd’s Paper
Comprehensive coverage package
- Property and Liability
- Mono-line Property available
- Theft and Vandalism coverage available
Other U.S. Products
U.S.
Builder's Renovation
Cover for residential and commercial properties undergoing structural renovation or remodelling.
U.S.
Course Of Construction
Cover designed to protect new-build projects throughout construction.
U.S.
Dwelling Fire
Property and liability cover for rental, seasonal, secondary and other non-standard homes.
U.S.
Difference in Conditions (ex Fire)
Additional protection designed to work alongside the California FAIR Plan, helping strengthen a homeowner’s insurance programme where broader cover is needed.
U.S.
Vacant Land
Straightforward liability protection for vacant land held for investment or future development.
U.S.
Professional Liability
Protection for businesses against claims arising from professional errors, omissions, negligent advice or services that result in financial loss.
U.S.
Builder's Renovation
Cover for residential and commercial properties undergoing structural renovation or remodelling.
U.S.
Course Of Construction
Cover designed to protect new-build projects throughout construction.
U.S.
Dwelling Fire
Property and liability cover for rental, seasonal, secondary and other non-standard homes.
U.S.
Difference in Conditions (ex Fire)
Additional protection designed to work alongside the California FAIR Plan, helping strengthen a homeowner’s insurance programme where broader cover is needed.
U.S.
Vacant Land
Straightforward liability protection for vacant land held for investment or future development.
U.S.
Professional Liability
Protection for businesses against claims arising from professional errors, omissions, negligent advice or services that result in financial loss.
Behind every quick decision is a process that just works
Everything you need to quote, bind and manage business is available through AUGold. API connectivity helps reduce duplicate entry by connecting your systems directly to ours, while Single Sign-On (SSO) makes access simple and secure for your teams.
More efficiency where it matters. Less effort where it doesn’t. Brilliantly simple.
For more information, contact the team contactus@augold.com.